How To Get Premiums As Low As Car Insurance For Women

By Ricky LawrencePublished: Tuesday, January 26th, 2010

Let us all face it – female drivers get cheaper auto insurance than men. Why? It is all because of their discipline and safe driving. Insurers love giving affordable car insurance for women because they less likely file claims as a result of the fact that they rarely get into accidents. Do you want to have insurance premiums as low as theirs? Then follow these simple reminders:

1. Shop for quotes online – this is one of the most common yet ignored tips in insurance buying. Settling for the very first automobile policy you see is definitely a bad idea because you would miss out on more affordable and better deals in the market. It would be best to conduct your shopping online because of the wide variety of insurance companies, policies, and prices available for potential clients.

2. Check the model of your car – if you want to get cheap premiums, carefully choose the type of car you will buy. Oftentimes, two-door vehicles, SUVs and sports cars are on the hot list of insurers and therefore obtain higher rates. If you want to save money, choose a rather simple car to insure.

3. Drive carefully – car insurance for women remains very cheap because they remain disciplined on the road. They seldom commit traffic violations and lose their temper during heavy traffic situations. You should understand that almost 50% of the total factors affecting car insurance rates include the driver. Your driving history, as well as your age, gender, status, and credit rating are all considered by insurers whenever you ask for quotes.

4. Installing security devices – to reduce the risks of your vehicle getting stolen, conduct security upgrades and installations. This will reduce your premiums because your chances of filing claims will also decrease.

5. Choosing a high deductible – deductibles are important for insurance providers because it is the amount of money you are willing to pay before they cover your expenses caused by a vehicular accident. The higher your deductible, the better.

Searching for rates that are as low as car insurance for women is certainly difficult if you do not follow the reminders provided above. Although you cannot change some things about your current situation such as your age and gender, you can improve your premiums by keeping a clean driving and credit record.

For years, it has been assumed that female drivers are safer than men. Because of that, car insurance for women has always been cheaper. What you need to do is change that assumption, and prove to them that men can also drive in the same way as women.